5 People Who Can Wreck Your Credit

Credit Score

5 People Who Can Wreck Your Credit

5 People Who Can Wreck Your Credit

When it comes to your credit record, lots of folks can do damage to it if you’re not careful. Here are five people you may not suspect of damaging to your credit until it’s too late. Someone You Co-Signed for Who Stops Paying If you’ve co-signed for a loan or credit card account for a... Read More

How Can You Prove a Debt Isn’t Yours?

Managing Debt

How Can You Prove a Debt Isn’t Yours?

How Can You Prove a Debt Isn’t Yours?

Getting a letter from a debt collector can be disconcerting, especially if you were not aware of having debt. Your initial communication from the collector, called a demand letter, should contain information indicating how you can request more details. By law, you may request the debt collector validate the debt, and the collector must respond... Read More

How Long Does it Take to Buy a Home?

Mortgages

How Long Does it Take to Buy a Home?

How Long Does it Take to Buy a Home?

Consumers considering a home purchase often want to get a handle on how long the process takes. The problem is that it’s a surprisingly subjective and multilayered question. Answers tend to focus on the typical time it takes to close a home loan once you’re under contract, which is usually 30 to 45 days. That’s... Read More

The Big Reasons People Break Up with Their Banks

Personal Finance

The Big Reasons People Break Up with Their Banks

The Big Reasons People Break Up with Their Banks

There are certain times you just know it’s time to change the shampoo you use or the grocery store you frequent. Similarly, there are specific signs for when it’s time to switch banks. What bank you choose to do business with can have a great effect on your financial health … and mental health. The... Read More

3 Times Renting a Home Is Better Than Buying

Mortgages

3 Times Renting a Home Is Better Than Buying

3 Times Renting a Home Is Better Than Buying

Almost all of us face the decision of whether to rent or buy at some point in our lives – and the answer doesn’t always come easy. Important factors to guide your decision include income, investment capacity, source of payment and lifestyle. While homebuyers have pride of ownership and enjoy building equity, we have all... Read More

How to Choose the Right Neighborhood to Buy a Home

Mortgages

How to Choose the Right Neighborhood to Buy a Home

How to Choose the Right Neighborhood to Buy a Home

When most of us shop for a new home, affordability is at the top of our “important requirements” list. While this is clearly an important factor, finding the right neighborhood involves a slew of other considerations. Here are some of the factors to think about before settling on your new location. Cost Your income, credit... Read More

13 Simple Ways to Save on Child Care

Personal Finance

13 Simple Ways to Save on Child Care

13 Simple Ways to Save on Child Care

Ever dreamed of owning your very own shiny Lamborghini? Turns out that by the time you are finished raising your child and he or she reaches the age of majority, you will have spent almost enough money to buy one. According to the U.S. Department of Agriculture, the cost of raising a child for 18 years... Read More

10 Ways to Save Big on Your Next Hotel Stay

Personal Finance

10 Ways to Save Big on Your Next Hotel Stay

10 Ways to Save Big on Your Next Hotel Stay

Although they’re still below pre-recession prices, hotel rooms will probably cost you more this year. The Hotel Price Index found that global hotel prices rose 3% in 2013, the fourth straight year with an increase. 1. Go in the Off-Season The top way to save on your hotel room is to travel during off-peak times. That’s how... Read More

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